# Card vs Bank BTC Buying Cost Gap — Augea Data Event

Published: 2026-04-15
License: CC-BY-4.0 (https://creativecommons.org/licenses/by/4.0/)
Report: https://augea.io/reports/card-vs-bank-study
Stat page: https://augea.io/stats/card-vs-bank-gap
Methodology: https://augea.io/methodology

## What this package contains

- `paired-exchange-gap-us-btc.csv`
  - Same-exchange paired card vs bank modeled cost gaps for BTC in US
- `country-cheapest-gap-btc.csv`
  - Cheapest modeled card route vs cheapest modeled bank route for BTC across all tracked countries
- Chart assets in both SVG and PNG format for reuse in articles, newsletters, and social posts

## How these numbers differ

- Median / widest gap
  - Same-exchange paired card vs bank modeled cost gaps for BTC in US
- Country breadth
  - Cheapest modeled card route vs cheapest modeled bank route for BTC across tracked countries
- Dollar examples
  - Scenario illustrations built from the paired-route baseline

## Citation

Augea, Card vs Bank BTC Buying Cost Gap — Augea Data Event (April 2026), https://augea.io/reports/card-vs-bank-study, accessed [DATE].

## Reuse notes

- Estimates, not quotes.
- Built from Augea's deterministic fee model sourced from first-party exchange fee schedules.
- The anti-cherry-picking summary used in the report is:
  - This is not one outlier: in same-exchange BTC comparisons in the US, card costs more than bank on 20 of 21 exchanges that offer both payment methods, and the cheapest bank-transfer option beats the cheapest card option in 10 of 10 tracked countries.